USDA Vs. FHA your options comparison in Lynchburg, Lynchburg County, VA
As of 2026, the USDA loan limit for Lynchburg in Lynchburg County, VA is $285,000, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's optimal USDA and FHA rates to determine the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA options side by side to help choose the ideal program for your financial needs in .
2026 Loan Limits and Downpayment Specifications in Lynchburg, Lynchburg County, VA
Loan Type
Loan Limit
Down payment
USDA
$285,000
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Selections in Lynchburg, VA
Lendersa® is committed to providing you with excellent USDA or FHA loan choices swiftly and without hassle. Choose from one of three initiation routes leading to lender connections and USDA loan program discovery.
USDA home loans, backed by the Department of Agriculture, also referred to as USDA rural development loans or mortgages, are available solely in rural neighborhoods. Contrary to FHA loans requiring a minimum down payment of 3.5%, USDA loans involve no down payment.
Blue Ridge Mortgage you have a lender that you can count on for your family’s needs for generations to come! Community-Oriented Blue Ridge Mortgage is a locally owned and operated residential mortgage company. We specialize in purchase loans, rate and term refinance, and debt consolidation.
Lynchburg Municipal Employees Federal Credit Union
3176 Fort Avenue, Lynchburg, VA, 24501
Lends in Virginia
The approval of Federal Credit Union Charter Number 14623 on August 8th, 1961 allowed for Lynchburg Municipal Employees Federal Credit Union (LMEFCU) to help promote financial services and security for its membership. We were originally chartered to serve employees of the City of Lynchburg and their immediate families.
Central Virginia Federal Credit Union offers a fresh, unique alternative to banks. Like other financial institutions, we offer a full range of financial products and services. Unlike the others, we are not-for-profit. putting those savings in your pocket! Here you are more than a customer, you're a member.
We are committed to quality customer service - putting the people we serve first. we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it! Specializing in residential mortgage loans for purchases, refinances and equity lines/loans
Melanie Thompson is a mortgage broker with access to more than 40 lenders and dozens of loan programs to help you with your home purchase or refinance. Her expertise in understanding credit is second to none and she will work with you to legitimately obtain a higher credit score so your loan terms are the very best available.
Beacon Credit Union is a full-service financial institution, offering a wide range of products and services. Having served Lynchburg and the surrounding area for over 75 years, our "vision" is to be the premier provider of quality financial services, a leader in our community and the most progressive financial institution in our field
At Select Bank, we can help you manage your time and your money. We’ve brought together old-fashioned service and the latest tools and technology in order to provide you with the products and services you need, when you need them – and on your terms. We’re focused on treating every customer like they’re our only customer.
"TY Mortgage, LLC, has a team of experienced and highly skilled loan consultants that will help you determine which loan option is best suited for your situation. At TY Mortgage, we help you get the loan that you want in the time frame you want it in. Purchase or Refinance Mortgage Residential or Commercial.
The Farmers Bank of Appomattox has a very rich history of providing for the needs of our customers living within the communities in which we serve. We are a strong community bank with over 100 years of proven personal banking. The directors, officers and employees that have come before us have set high expectations in regard to this level of servic
